2026 Open Enrollment: Avoid Costly Health Insurance Mistakes | Healthcare 101 Ep. 4

Choosing health insurance doesn’t have to be overwhelming - but it can be! In this episode, Chuck is joined by health insurance advisor Chet Pietras, who brings 40+ years of experience helping individuals and families make smartcoverage decisions.

Together, they cover:

• Open enrollment for 2026 (Nov 1 – Dec 15, 2025)
• The biggest mistakes people make when choosing a plan
• Key differences between HMO and PPO networks
• When to use the ACA Marketplace vs going direct to a carrier
• How to budget for premiums, deductibles, and copays
• What to check if you take prescription meds or have chronic conditions
• Why working with an agent costs you nothing but can save you thousands

In these 50 minutes, you’ll understand how to prepare for openenrollment, what factors really matter in choosing a plan, and how to avoid costly pitfalls.

• Resources Mentioned:
• Healthcare.gov: For research and shopping for ACA plans and determining subsidies
• Federal Poverty Level Charts (for subsidy eligibility): https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
• Connect with Chet Pietras (for Florida Residents):Phone: 727-946-8294Email: cpietras@sisfl.com
• https://www.yourmedplan.com/
• Chat GPT and other AI tools are helpful for personalizing your research. Check out our last episode to see why!

Was this the resource you needed? If so, please share with a friend who needs to know. And give us a like!